巴特勒县特殊需求规划律师

为宾夕法尼亚州西部服务的特殊需要信托律师

如果你有一个有特殊需要的爱人, 你能做的最重要的事情之一就是为你所爱的人建立一种信任. 联系 资深的宾州特殊需求信托律师 & 遗产规划, 了解更多关于特殊需要信托的信息，以及我们如何帮助您为您所爱的人的未来做好准备.

第一方特殊需要信托

A first-party special needs trust is a planning tool that allows individuals with disabilities to retain not only their government benefits but also their funds while not going over resource limits, allowing the best of both worlds when it comes to the long-term sustainability and support of persons with physical or intellectual disabilities. Normally the problem arises when mom and dad want to leave money to a child with a disability and do so in their Last Will and Testament or through an outright gift. 然后，资产被直接转移和分配，对残疾人没有任何附加条件. 因此, 经常发生的情况是, 如果孩子正在领取政府福利, 他或她变得资源过剩，因为他们坚持, 控制和直接使用的资源比提供他们福利的计划所允许的更多, 无论是住房还是其他支持. The danger arises because the child with a disability will remain over-resourced until their personal assets that were just recently gifted to them are expended.

一旦这些资产被消耗，并且它们低于资源限制, 然后孩子可以重新申请福利. 在这个过程中经常会有延迟，然后就会出现经济困难. The real tragedy is that the gifted assets desired to provide for the long-term sustainability of a loved one are consumed rapidly, 一旦这些资产消失，它们提供的长期利益就很少. 然后，残疾儿童又要依靠政府的资源, 在相同或, 可以说, 比收到礼物前更糟糕.

第一方特殊需要信托指的是当第一方收到资金时, 这个人可以把这些资金存入一个信托基金(有时被称为唯一利益信托基金)，那里可以有10美元,000元甚至100万元，作为残疾人士日后生活的唯一用途. 然而, 这里有一个陷阱:接受资金的人不能直接负责分配.

在第一方特殊需要信任, 这些资产用于补充需求, 而不是直接支持需求. 该条款通常要求这些基金补充政府的任何福利，而不是取代或取代它们. 在残疾人的余生中, 第三方将控制支票簿，并将资金用于任何补充需求, 比如交通, 娱乐或教育. 然而, 这些资金不需要用于支助保健或初级教育目的.

The downside to a first-party special needs trust is that any funds remaining in the trust at the time the beneficiary passes away are returned to the government. 根据法规d4a，这通常被称为回款信托. 第一方特殊需求信托是一个很好的工具，但还有更好的计划选择. 请查看集合信托和/或第三方特殊需要信托，因为它们可能更适合您的情况, 特别是如果资金尚未转移给残疾受益人.

第三方特殊需要信托

A third-party special needs trust is for situations where a third-party individual is healthy and looking to use his or her assets to benefit a person with a disability for the remainder of his or her life. A very common scenario is when a parent or grandparent wants to leave money for a person with a disability but is somewhat aware that by leaving assets outright to this person could affect his or her benefits. 在这种情况下，第三方信托是比第一方信托更好的选择.

在第三方信托中, an individual can set aside assets for anybody else to benefit from them for the remainder of his or her life and a third party will again hold on to the assets and make decisions regarding when and how to make distributions. 就像第一方信任一样, a third-party supplemental needs trust is there to supplement but not supplant or replace basic needs such as housing and medical and expenses. 然而, 它被用来支付额外的费用，比如交通费用, 娱乐, 以及初等教育范畴之外的教育活动.

再一次。, 可以有10美元,000美元或1000万美元的第三方补充需要信托, 而且，这不会影响残疾人士可能获得的政府福利. 附加津贴是残疾受益人死亡后的津贴, 设立第三方信托的人决定剩余资金的去向. 在典型的场景中, 我们留下遗产, 如果可能的话, 提前计划，这样它就不会丢失，也不会影响残疾受益人的福利. 我们还想确保，如果所有的资金在残疾受益人去世的时候没有被使用, 剩余的资产归其他指定的受益人所有, 比如其他孩子或慈善机构可能会以残疾受益人去世的名字命名.

第三方特殊需求信托是一个非常强大的工具, 然而, 如果在资金捐助者去世之前很久就设立这些基金，它们将得到最好的利用. 请参阅我们的其他部分，看看是否其他特殊需要的选项可能更可行. 当将大量资产留给残疾受益人时，这些信托尤为重要. 什么是重要资产，每个家庭都不一样. 然而, 如果没有重大资产或资产不值得信任的家庭成员继续监督, 有时，集合信托是一个更可行的选择. Pooled trusts offer the benefit of streamlined management of the funds and less family involvement over a longer period of time. 如果这可能适合您的情况，请查看集合信托.

特殊需要信托基金

A pooled special needs trust is a viable option for family members or individuals who want to leave assets to an individual with a disability but not disrupt any public benefits they might be receiving. 然而，这个工具通常用于那些在家族眼中并不重要的资产. 在一个有特殊需要的信托基金中, assets are distributed to a collective manager of funds who will use all of the funds placed into the trust only for the sole benefit of the recipient, 类似地描述了对于第一方和第三方特殊需要的信托.

对于集合信托, 第三方个人负责管理资产, 他们投资, 并为诸如运输之类的事情进行分配, 休闲, 和/或受益人生活中可能出现的补充需求. 然而, 不像第一方信托和第三方信托, 当受益人去世，合并信托中有剩余资产时, 这些资产仍保留在集合信托中，以供组成集合的其他受益人使用. 可能是另一个人，或者, 更经常, 数以百计的其他受益人将与这个资金池联系在一起.

It is not common that attorneys set up pooled special needs trusts themselves; there are dedicated companies. 在传统, 我们有能力与多家特殊需求信托公司合作, 然而, 其中一个我们很成功的项目是ACHIEVA Family Trust. 获得资金并完成他们的流程, 该公司将能够直接一对一地描述他们的流程和成本. 综合特殊需要信托通常是在一系列计划中使用的多种策略之一. 再一次。, please refer to our other special needs trust sections if a pooled trust does not sound as if it would be appropriate for your family’s situation.

混合特殊需要信托基金

混合特殊需要信托是上述特殊需要信托的一种变体. 混血儿需要信任, 我们必须在物理上修改信任，以符合从业者不经常遇到的情况. 在这种情况下, 我们会有一个第三方来为残疾人士拨出资金. 然而, the party that is designating the funds for the person with a disability is also either wanting to receive benefits or is already receiving special needs benefits.

It is a situation where the person creating the trust is also the person receiving the funds in the trust and will be receiving government benefits for their support for the remainder of their lives. 然而，政府确实授权我们为残障人士拨出资金——甚至是数额可观的资金, creating a trust and distributing assets into a third-party situation can sometimes create penalty issues for the person distributing the funds for the benefit for their own support and/or medical needs in the future.

因此, we can still achieve Medicaid eligibility for both the grantor and the grantee who is creating the trust and receiving the benefit of the trust, though there has to be modified provisions that resemble the payback provisions in the first-party trust described on this page.

Although there is more to the planning aspect it is fairly straightforward; you have a beneficiary with a disability and the person who wishes to support another beneficiary who is also disabled or receiving government benefits. 这就是混合信托创造奇迹的地方. The hybrid trust gets Medicaid eligibility for both and sets aside assets for the benefit of a person with a disability over their lifetime, 无论是流动资产还是房地产. 授予信托的人死亡后, we have to look back to see if there were any government benefits paid to that person in order to satisfy the payback provisions to make the whole scenario work.

尽管混合补充需求信任是一种相当罕见的计划工具, for the right scenario and the right family it works wonders to maintain eligibility for both the grantor and the recipient of the funds placed into the trust.

十大网络彩票平台大全的宾夕法尼亚州特殊需求规划律师

无论你的情况如何, 如果你有一个有特殊需要的爱人, it is in your best interests to reach out to an experienced 巴特勒 County estate planning attorney who can help you create an estate planning trust that can help your loved one live a happy, 富有成效的生活. 我们在这里给你和你所爱的人你应得的内心平静. 联系 今天来我们公司，这样我们就可以开始了.